I think the Edge Sport comes both ways. It's the Explorer Sport that is AWD only.

Any reason why a dealer would come back with 3.75% APR when factoring my lease payment? No credit or anything has been run.

We don't have the specific region for VA, but it seems doubtful it would be that far off.Maybe they assume Tier 2 or 3 credit, but that would be a dumb move, as far as quoting the best payment, possible.

Or, they plan on marking up the rate. I can't find a rate higher than 1.75% APR in any region.

Any reason why a dealer would come back with 3.75% APR when factoring my lease payment? No credit or anything has been run.

We don't have the specific region for VA, but it seems doubtful it would be that far off.
Maybe they assume Tier 2 or 3 credit, but that would be a dumb move, as far as quoting the best payment, possible.
Or, they plan on marking up the rate. I can't find a rate higher than 1.75% APR in any region.

I went back and asked him why thr money factor was 3.75 and he came back with this. No joke. "I'm not sure I'll have to ask Ford lol."